24 July, 2024India’s foreign reserves and global risk
India’s foreign exchange reserves, relative to GDP, have been on the rise. This article examines the motives behind the hoarding of reserves by central banks, and if adequate reserves are held for p...
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Chetan Ghate Kenneth Kletzer Mahima Yadav 
12 July, 2024
- Articles
Green is good: Risk insights into Indian green stocks
While consistent financial flows towards climate resilience are crucial, there is a recent global trend of withdrawal of investment from ‘green assets’. Given the centrality of potential risk-adju...
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Gagari Chakrabarti Chitrakalpa Sen
- 26 June, 2024
- Articles
Embracing the melody of dissent: A symphony in policymaking
In recent times, members of the Monetary Policy Committee of the Reserve Bank of India, have expressed views that are contrary to the MPC’s official stance. This article investigates the influence o...
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Unninarayanan Kurup Rajendra N. Paramanik Rounak Sil
- 24 June, 2024
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Effect of conflict on bank lending: Evidence from Indian border areas
Conflict can affect economic outcomes through the decisions of key individuals. This article studies the effect of repeated incidents of shellingacross the India-Pakistan border, on loan officers work...
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Mrinal Mishra Steven Ongena
- 28 July, 2020
- Articles
Productivity growth in Indian banking: Who gained?
Since the deregulation and privatisation reforms of the early 1990s, Indian banking has witnessed many significant changes. This article finds that the sector experienced steady productivity growth un...
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Rajeswari Sengupta Harsh Vardhan
- 07 July, 2020
- Articles
Covid-19 and debt moratorium conundrum: The case of microfinance
Given the extent of liquidity shock caused by Covid-19, the Reserve Bank of India enabled all lending institutions to provide their borrowers with a repayment moratorium on term loans until 31 Augus...
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Giorgia Barboni Misha Sharma
- 02 July, 2020
- Perspectives
Covid-19: Right opportunity to strengthen the Insolvency and Bankruptcy code
The government has recently exempted all Covid-related debts from the definition of default, and stalled the invocation of Insolvency and Bankruptcy Code (IBC), 2016 for one year, to allow ailing ente...
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K. Srinivasa Rao
- 11 June, 2020
- Perspectives
How microfinance can help entrepreneurs escape the poverty trap
The idea of poverty traps being important for microenterprises is captured in the adage “it takes money to make money”. This article reports on a study following households in India exposed to dif...
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Abhijit Banerjee Emily Breza Esther Duflo Cynthia Kinnan
- 15 May, 2020
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Policymaking at a time of high risk-aversion
The key issues in the Indian financial sector in general, and banking in particular, are bearing risk and allocating capital. These are especially important now as India enters into a prolonged phase ...
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Rajeswari Sengupta Harsh Vardhan
- 06 April, 2020
- Perspectives
Yes Bank: The anatomy of a crisis
The string of frauds and failures unearthed in recent years in the Indian banking sector indicate weaknesses in banking supervision. In this post, Pandey and Priyadarshini argue that the Reserve Bank ...
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Radhika Pandey D. Priyadarshini
- 23 March, 2020
- Perspectives
Using intermediaries to deliver credit
Communities are monitoring service providers, and local governments are delivering development and welfare programmes in developing countries. This article indicates the potential value of enlarging t...
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Pushkar Maitra Sandip Mitra Dilip Mookherjee Sujata Visaria
- 02 March, 2020
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The missing women in finance
Women comprise a very small proportion of the financial industry workforce, and this has implications on the way female clients use and benefit from financial services. This article discusses if the f...
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Renana Jhabvala Soumya Kapoor Mehta Sonal Sharma
- 13 December, 2019
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Raising coverage under deposit insurance: A soft option
Indian Parliament is expected to legislate on a rise in the amount of insurance for bank deposits from Rs. 100,000 to possibly Rs. 500,000 in its ongoing winter session. In this post, Gurbachan Singh ...
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Gurbachan Singh
- 02 December, 2019
- Perspectives
Lessons from the PMC Bank fiasco
In September, Reserve Bank of India (RBI) had to impose restrictions on Punjab and Maharashtra Co-operative Bank (PMCB) as the latter was found to be involved in a mega loan fraud. RBI has taken steps...
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K. Srinivasa Rao
- 06 November, 2019
- Perspectives
Approaches to regulation of cryptocurrencies
In June, Facebook announced its plan to create a global, private cryptocurrency, backed by a reserve of assets and held by a network of reputed companies. In the backdrop of changing dynamics of crypt...
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Radhika Pandey D. Priyadarshini Raghunath Seshadri
- 31 October, 2019
- Perspectives
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Tweets by Ideas4IndiaMost Popular Money & Finance Posts
India’s insurance sector: Challenges and opportunities
While India’s insurance sector has been growing dynamically in recent years, its share in the global insurance market remains abysmally low. This article traces the journey of the Indian insurance s...
- Kuntala Bandyopadhyay Saon Ray Vasundhara Thakur
- 31 August, 2020
- Articles
Financial inclusion in India: Progress and prospects
Financial inclusion is globally considered as a critical indicator of development and well-being of society. In this post, Srinivasa Rao traces the financial inclusion journey in India so far, and dis...
- K. Srinivasa Rao
- 11 July, 2018
- Perspectives
Thinking about financial sector reforms in India
A key element of the economy that needs to function well in order to facilitate India’s strong and sustained recovery from the pandemic is the financial system. In this post, Sengupta and Vardhan d...
- Rajeswari Sengupta Harsh Vardhan
- 15 November, 2021
- Perspectives